In order to use the account creation system, users will already have to follow very specific technical instructions. There are quite a few requirements in order for the transaction to work. For example, passing two decimal places instead of three will not work. If they are not able to follow instructions, then they probably should not be trying to use the APIs.
Making the blockchain code more complicated adds more risk of things breaking. It is better to keep the core logic simple and then rely on front-end user interfaces to provide a more seamless user experience.